> the debtor could have sold the bike to pay the debts …so clearly the bike was worth more to them than its cash value. Again: They probably needed that bike

> the debtor could have sold the bike to pay the debts …so clearly the bike was worth more to them than its cash value. Again: They probably needed that bike for work. Losing their job will easily cost them more than $400. > yet no one did. The bailiff did, and the buyer did, and they were the only parties with agency in the situation. Doesn't surprise me.